A Community Newsletter by Todd Campbell:
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Federated Mortgage Services
Our HoursMonday - Friday: 9am - 5pmSaturday: By appointmentSunday: By appointment
Todd Campbell
954-561-1000
federatedmortgage@gmail.com
https://federatedmortgageservices.com/Fort Lauderdale, Florida
In this Edition
About Todd Campbell and his Services
With over 40 years of experience, Todd Campbell has established himself as Florida’s premier mortgage expert. As the President of Federated Mortgage Services, Todd is renowned for his deep industry knowledge, unwavering commitment to clients, and a reputation for honesty and integrity that sets him apart from other lenders. His approach to mortgage lending is rooted in personalized service, ensuring that every client receives tailored solutions that meet their unique needs.
Federated Mortgage Services has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, mortgage brokers, builders, and individual homebuyers throughout Florida. Our experienced staff excels in every area of mortgage lending, from residential and commercial financing to purchase and refinance options. We offer access to a vast network of both traditional and private lenders, providing competitive rates and terms for all clients.
When you choose Federated Mortgage Services, you’re not just getting a lender—you’re gaining a trusted advisor who will guide you through the entire lending process with regular updates and progress reports. Whether you’re financing in Fort Lauderdale or any other Florida city, Todd Campbell and his team are dedicated to finding the best mortgage solutions for you. Todd CampbellPresident, Federated Mortgage Services
Federated Mortgage Services has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, mortgage brokers, builders, and individual homebuyers throughout Florida. Our experienced staff excels in every area of mortgage lending, from residential and commercial financing to purchase and refinance options. We offer access to a vast network of both traditional and private lenders, providing competitive rates and terms for all clients.
When you choose Federated Mortgage Services, you’re not just getting a lender—you’re gaining a trusted advisor who will guide you through the entire lending process with regular updates and progress reports. Whether you’re financing in Fort Lauderdale or any other Florida city, Todd Campbell and his team are dedicated to finding the best mortgage solutions for you. Todd CampbellPresident, Federated Mortgage Services
Overview of Our Loan Process
Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your lifestyle and saves you money.
Throughout the loan application process, we provide you with regular updates. You canalso email us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.
Here’s an overview of the loan application process
STEP ONE Prior to selecting a property, we offer a free pre-approval process. We strongly suggest being pre-approved, so when you are writing an offer you will be required to issue a pre-approval letter at the time of negotiations. Most sellers want to be assured the buyer has been pre-approved before accepting an offer.
Once you’ve selected a property and have a contract with the Seller, the next step is to contact us for a loan application by phone or online request. If you are refinancing, the same process applies without the seller contact.
STEP TWOYour Real Estate Agent or the Seller will make suggestions and designate an escrow/title company to handle the funding of the loan, along with many other factors which make your purchase go smoothly.
We will coordinate with the escrow team, and you’ll sign the final papers at their office.
At any point, feel free to e-mail or call us regarding any questions you may have. We are here to personally help you through the entire financing process.
Throughout the loan application process, we provide you with regular updates. You canalso email us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.
Here’s an overview of the loan application process
STEP ONE Prior to selecting a property, we offer a free pre-approval process. We strongly suggest being pre-approved, so when you are writing an offer you will be required to issue a pre-approval letter at the time of negotiations. Most sellers want to be assured the buyer has been pre-approved before accepting an offer.
Once you’ve selected a property and have a contract with the Seller, the next step is to contact us for a loan application by phone or online request. If you are refinancing, the same process applies without the seller contact.
STEP TWOYour Real Estate Agent or the Seller will make suggestions and designate an escrow/title company to handle the funding of the loan, along with many other factors which make your purchase go smoothly.
We will coordinate with the escrow team, and you’ll sign the final papers at their office.
At any point, feel free to e-mail or call us regarding any questions you may have. We are here to personally help you through the entire financing process.
Imagination
Imagine the energy you have when life is working. Imagine your life the way you want it to be. Your imagination has energy. Don't ignore it.It's a very powerful tool. We would never have phones, light bulbs, cars, airplanes, computers, etc., if someone didn't have imagination. The only difference between the people who created these things and you and me is that they paid attention to their imagination and took action. I bet there have been many times in your life when you've sat down and analyzed your life and said to yourself, "Why didn't I think of that?" Use your imagination to turn dreams into reality.
If you can't imagine your life being better, it probably won't happen. If you can't imagine yourself having more energy, it probably won't happen. Imagination is wonderful. If you've lost your imagination, spend time with young children and you'll find it again. They can take pieces of paper and make sailboats. They can take animal brochures that come in the mail and play with them for hours. They can play hide and seek in the car. Children have amazing imaginations.
If you can't imagine your life being better, it probably won't happen. If you can't imagine yourself having more energy, it probably won't happen. Imagination is wonderful. If you've lost your imagination, spend time with young children and you'll find it again. They can take pieces of paper and make sailboats. They can take animal brochures that come in the mail and play with them for hours. They can play hide and seek in the car. Children have amazing imaginations.
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Todd Campbell
954-561-1000
federatedmortgage@gmail.com
federatedmortgageservices.com/
Fort Lauderdale, Florida
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7 Things You Should Never Say in a Negotiation According to Experts
1. “I’ll do you a favor” A really off-putting thing to say is that you’re doing the client or customer a “favor” by offering them your best price. This completely undermines the relationship you’re trying to build with your client and implies that you’re in a position of power and that they should be grateful for your offer. “In reality, good negotiations are all about collaboration and finding a win-win situation. No one wants to feel like they’re being patronized or not valued in the conversation. Stop talking about “favors” and focus on how you can work together to find a solution that works for everyone.
2. “I hope…” “I hope” can diminish your credibility as a salesperson. It suggests uncertainty about your ability to deliver. Instead of saying “I hope,” try saying “I’ll do everything in my power to give you the results you need.” This statement embodies trust and commitment. It’s a more powerful way to assure your client that you’ll work hard to meet their expectations without making a promise. In this case, they will feel more secure and not expect definitive results, which often leads to negative relationships and failed negotiations if promises are not kept.
3. “This is non-negotiable.” Avoid saying “This is non-negotiable” or “You must decide now.” These types of phrases can shut down the conversation and create tension. Instead, emphasizing openness and exploring options together fosters a collaborative atmosphere. Approach every negotiation with the mindset that flexibility and understanding pave the way to mutual success. It’s about creating solutions that work for everyone, not just sticking to rigid terms.
4. “…just for you.” We can make this deal happen just for you. Sure, it sounds like you’re rolling out the red carpet, but here’s the thing: clients are smart! They know when they’re being sweet-talked. By making it seem like they’re getting an exclusive, secret deal, they may wonder what’s going on with everyone else’s deals. Are they really getting something special, or are you just desperate to close the deal? That little touch of sarcasm may seem like a charm offensive, but it could end up making them question your credibility. It’s better to keep things transparent and let your product or service speak for itself, rather than trying to woo them with a deal that seems too good to be true.
5. “Trust me.” Never say “you can trust me” during a sales negotiation. Have you noticed that sometimes a buyer doesn’t seem fully engaged? Often, it’s because there’s a basic assumption that salespeople aren’t trustworthy, fueled by endless media stories about scams and rip-offs. This skepticism can erode your credibility, extend the sales process, and ultimately cost you sales. Telling a potential client to “trust you” doesn’t actually build trust and can even backfire. People tend to believe what they can see, not just what they hear. Always provide written material to back up what you say during a presentation or proposal. Make sure you use third-party materials when you can to gather facts to back up your points—this adds an extra layer of credibility. And it’s critical to document everything that is said, offered, proposed, promised, suggested, and implied during the negotiation. This transparency helps build genuine trust.
6. “This is our final offer” Sales experts understand that the words you choose in a negotiation can significantly affect the outcome. One thing you should never say is, “This is our final offer,” unless you mean it. "Using this phrase too early or as a bluff can corner you into a position where you have to back down (which undermines your credibility) or maintain a stance that might not be in your best interest.
7. "Let's work out the details later." One thing you should never say in a negotiation is, "Let's work out the details later." Don't make the mistake of agreeing to general terms without nailing down the details, only to find out later that the understandings were very different. This can cause delays and almost derail the deal. Insist on clarity from the start, making sure all the details are agreed upon before moving forward. This prevents misunderstandings and builds trust, showing the other side that you're serious about delivering exactly what you promise.